909 Mirandy Ln, Waterford, CA 95386 Property Records

Stanislaus County property record for 909 Mirandy Ln, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,054 sqft · built 1986
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Tax Bill	$2,104 (2026)
Deeds & Mortgages	Aug 2021 Mortgage May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-059-012-000`

Property Details

APN / Parcel Number

Primary APN	`080-059-012-000`
Alternative APNs	`0805912000` `0805912`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,054 sqft Living Area
1st Floor Area	1,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	909 MIRANDY LN
City	WATERFORD
State	CA
Zip	95386-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 1 BLK 5 LOT 3
Legal Subdivision	COUNTRY GARDENS 01
Legal Block	5
Legal Lot Number	3
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	2802

Owner

909 Mirandy Ln is owned and occupied by an individual who acquired it in July 2021.

Source: Stanislaus County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	909 MIRANDY LN, WATERFORD, CA 95386-9754
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2018	Quit Claim Deed, Transfer BOSTON NATIONAL TITLE LLC
May 31, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 28, 2021
Transfer Doc	0000073745
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Aug 4, 2021
Property Address	909 MIRANDY LN, WATERFORD, CA 95386-9754
Document Number	0000073745
Map Reference	VOL 30 PG 32
Instrument Date	Jul 28, 2021
Instrument	2021-0073745
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	909 MIRANDY LN, WATERFORD, CA 95386-9754

Mortgage

Document Number	0000073746
Date	Aug 4, 2021
Instrument	2021-0073746

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2031

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 31, 2018
Property Address	909 MIRANDY LN, WATERFORD, CA 95386-9754
Document Number	0000037401
Instrument Date	May 19, 2018
Instrument	37401
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	BOSTON NATIONAL TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	909 MIRANDY LN WATERFORD CA 953869754, WATERFORD, CA 95386-9754

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 31, 2018
Property Address	909 MIRANDY LN, WATERFORD, CA 95386-9754
Document Number	0000037400
Instrument Date	Apr 20, 2018
Instrument	37400
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	BOSTON NATIONAL TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	909 MIRANDY LN WATERFORD CA 953869754, WATERFORD, CA 95386-9754

Mortgage

Document Number	37402
Date	May 31, 2018
Instrument	37402

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 30, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 909 Mirandy Ln was $2,104, up 1.6% from the year before.

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Waterford City
Unified School District	Waterford Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,104.00 (+1.59%)	$158,872 (+2%) Land $58,155 Building $100,717
2025	$2,071.00	$155,758 Land $57,015 Building $98,743
2023	$1,985.00 (+1.69%)	$149,711 Land $54,802 Building $94,909
2022	$1,952.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 909 Mirandy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 23, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 909 Mirandy Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WATERFORD serves 8,788 people · EPA ID CA5010006
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: ezWave, Verizon.

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